Wilmington, OH home prices
Typical home $253,723 · +4.1% in a year · income needed $72,300
The Wilmington, OH metro area ranks 443 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.1% in a year and +29.5% over five years. With 20% down at 7.11%, the typical home costs about $1,688 a month including 0.93% property tax (Clinton County rate).
Mortgage on the typical Wilmington home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $50,745 | $202,978 | $1,365 | $0 | $323 | $1,688 | $72,300 |
| 10% down | $25,372 | $228,351 | $1,536 | $95 | $323 | $1,954 | $83,700 |
| 5% down | $12,686 | $241,037 | $1,621 | $100 | $323 | $2,045 | $87,600 |
| 3.5% down (FHA) | $8,880 | $249,128 | $1,676 | $112 | $323 | $2,111 | $90,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.93% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Wilmington area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clinton County, OH | $253,731 | +4.1% | 0.93% |
What can you afford in Ohio on your salary? · Ohio home prices · Salaries in Ohio
Frequently asked questions
How much is a house in Wilmington?
The typical home in the Wilmington, OH metro area is worth $253,723 (Zillow, September 2026).
What salary do you need to buy a house in Wilmington?
About $72,300 a year for the typical home with 20% down at 7.11%.